The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$93,854
−HK$5,886/mo
▼ 0.25% · 3.875%
HK$96,774
−HK$2,966/mo
Today · 4.125%
HK$99,740
baseline
▲ 0.50% · 4.625%
HK$105,809
+HK$6,069/mo
Deposit HK$20.58M · loan HK$20.58M · min. income ≈ HK$199,480/mo (50% DSR)
Upfront cash ≈ HK$22.33M (deposit + AVD stamp duty HK$1,749,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,412
−HK$5,641/mo
▼ 0.25% · 3.875%
HK$107,212
−HK$2,841/mo
Today · 4.125%
HK$110,053
baseline
▲ 0.50% · 4.625%
HK$115,854
+HK$5,801/mo
Deposit HK$20.58M · loan HK$20.58M · min. income ≈ HK$220,106/mo (50% DSR)
Upfront cash ≈ HK$22.33M (deposit + AVD stamp duty HK$1,749,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,625
−HK$7,063/mo
▼ 0.25% · 3.875%
HK$116,129
−HK$3,559/mo
Today · 4.125%
HK$119,688
baseline
▲ 0.50% · 4.625%
HK$126,971
+HK$7,283/mo
Deposit HK$16.46M · loan HK$24.70M · min. income ≈ HK$239,376/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,749,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,295
−HK$6,769/mo
▼ 0.25% · 3.875%
HK$128,655
−HK$3,409/mo
Today · 4.125%
HK$132,064
baseline
▲ 0.50% · 4.625%
HK$139,025
+HK$6,961/mo
Deposit HK$16.46M · loan HK$24.70M · min. income ≈ HK$264,128/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,749,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,396
−HK$8,240/mo
▼ 0.25% · 3.875%
HK$135,483
−HK$4,153/mo
Today · 4.125%
HK$139,636
baseline
▲ 0.50% · 4.625%
HK$148,132
+HK$8,496/mo
Deposit HK$12.35M · loan HK$28.81M · min. income ≈ HK$279,272/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,749,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,177
−HK$7,897/mo
▼ 0.25% · 3.875%
HK$150,097
−HK$3,977/mo
Today · 4.125%
HK$154,074
baseline
▲ 0.50% · 4.625%
HK$162,196
+HK$8,122/mo
Deposit HK$12.35M · loan HK$28.81M · min. income ≈ HK$308,148/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,749,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,938
−HK$10,594/mo
▼ 0.25% · 3.875%
HK$174,193
−HK$5,339/mo
Today · 4.125%
HK$179,532
baseline
▲ 0.50% · 4.625%
HK$190,456
+HK$10,924/mo
Deposit HK$4.12M · loan HK$37.04M · min. income ≈ HK$359,064/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,749,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,942
−HK$10,154/mo
▼ 0.25% · 3.875%
HK$192,982
−HK$5,114/mo
Today · 4.125%
HK$198,096
baseline
▲ 0.50% · 4.625%
HK$208,538
+HK$10,442/mo
Deposit HK$4.12M · loan HK$37.04M · min. income ≈ HK$396,192/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,749,283 · Scale 2, in force from 26 Feb 2026)